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Why insure an ATV/UTV #5547453 01/17/15 12:06 AM
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bill oxner Online Content OP
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An agent told me that my first gator was covered by my homeowners policy as long as I was with it. Has it changed?


Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill


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Re: Why insure an ATV/UTV [Re: bill oxner] #5547593 01/17/15 01:29 AM
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buddy got grass hung underneath on his Polaris ranger month ago and it caught fire.burned to the ground...Homeowners policy covered it even thought it was not at his house when it happened...

Re: Why insure an ATV/UTV [Re: bill oxner] #5547767 01/17/15 03:17 AM
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Been thinking about heading to Colorado and riding the Alpine Loop in a few months. From what I can tell, Colorado requires a permit for my Ranger, and proof of insurance on it, to get that permit. That's the only reason I'd get it. My agent says it's really cheap.

Re: Why insure an ATV/UTV [Re: bill oxner] #5547866 01/17/15 04:44 AM
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Theft. They don't usually steal then while you're sitting on them. Some guys leave them at the lease or on the trailer while away from the truck. We own the land, so all of them stay at the ranch all the time. Really cheap to insure, so no reason not to.





Re: Why insure an ATV/UTV [Re: bill oxner] #5548510 01/17/15 08:31 PM
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If you go to a public range and use it for sporting clays, etc., I've heard some require you to prove you have liability ins.

Re: Why insure an ATV/UTV [Re: bill oxner] #5548584 01/17/15 09:55 PM
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Full coverage on my crew was almost $400/yr on a stand alone policy. I didn't insure it after the first year. I am going to shop around before I haul it again. Theft is my main concern.

Last edited by westexhunt; 01/17/15 10:13 PM.
Re: Why insure an ATV/UTV [Re: bill oxner] #5548605 01/17/15 10:09 PM
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Full coverage on my pickup is only $700 per year. It covers my gator while hauling it.


Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill


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Re: Why insure an ATV/UTV [Re: bill oxner] #5548639 01/17/15 10:31 PM
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At farmers i pay like 13 a mth for my 2013 rhino and trailer..well worth it cuz my trailer was stolen


"From my cold dead hands"

"Any fool can criticize, condemn and complain - and most fools do."

Benjamin Franklin

Re: Why insure an ATV/UTV [Re: bill oxner] #5548642 01/17/15 10:32 PM
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...

Last edited by daniel1381; 01/17/15 10:32 PM.

"From my cold dead hands"

"Any fool can criticize, condemn and complain - and most fools do."

Benjamin Franklin

Re: Why insure an ATV/UTV [Re: daniel1381] #5548648 01/17/15 10:36 PM
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Off premises; you have a problem.

Re: Why insure an ATV/UTV [Re: bill oxner] #5548740 01/18/15 12:04 AM
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I got off premises and liability for about $150/yr on my mule. My agent does not over-sell products. She told me my homeowners will not cover it off premise.

Re: Why insure an ATV/UTV [Re: bill oxner] #5548966 01/18/15 02:11 AM
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Plus my deductible for a atv policy is 200 for my house is 1600.00


"From my cold dead hands"

"Any fool can criticize, condemn and complain - and most fools do."

Benjamin Franklin

Re: Why insure an ATV/UTV [Re: bill oxner] #5550964 01/19/15 03:52 AM
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Originally Posted By: bill oxner
Full coverage on my pickup is only $700 per year. It covers my gator while hauling it.


Get that in writing from your agent. I've been in the insurance business for almost 20 years and have never seen an auto policy that covered physical damage to another motorized vehicle (or trailer for that matter) that is being towed or hauled. Liability for towed trailers, yes, but physical damage, no.

I'm not claiming to have seen every policy written, and you could very well be correct, but I've never seen it.





Re: Why insure an ATV/UTV [Re: bill oxner] #5555196 01/21/15 01:04 PM
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$125 yr on my crew...for that price why not?

Re: Why insure an ATV/UTV [Re: Jasb] #5555372 01/21/15 02:42 PM
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hit a pothole at deer lease and wiped out my front end - over couple grand to fix - sure glad I had insurance


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Re: Why insure an ATV/UTV [Re: bill oxner] #5556181 01/21/15 08:21 PM
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yep my 2015 crew 900 is only about 350 insured per year. It's worth about as much as my truck. Silly not to insure it. 99% of the time its not at my house so homeowners is a no go for me.


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Re: Why insure an ATV/UTV [Re: MELackey] #5556277 01/21/15 09:04 PM
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Originally Posted By: MELackey
Originally Posted By: bill oxner
Full coverage on my pickup is only $700 per year. It covers my gator while hauling it.


Get that in writing from your agent. I've been in the insurance business for almost 20 years and have never seen an auto policy that covered physical damage to another motorized vehicle (or trailer for that matter) that is being towed or hauled. Liability for towed trailers, yes, but physical damage, no.

I'm not claiming to have seen every policy written, and you could very well be correct, but I've never seen it.


x2!!! I am in the business as well and do not represent 1 company that this would be true.

Re: Why insure an ATV/UTV [Re: bill oxner] #5556285 01/21/15 09:12 PM
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Where are you getting insurance so cheap? Best I can find is $600 a month


Live to hunt, forced to work!
Re: Why insure an ATV/UTV [Re: bill oxner] #5556672 01/22/15 12:38 AM
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I insured my mule for $260.00/yr, at Allstate.

Re: Why insure an ATV/UTV [Re: wesleyc] #5557976 01/22/15 05:07 PM
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Originally Posted By: wesleyc
I insured my mule for $260.00/yr, at Allstate.


Yep. Mule and 2 4-wheelers 236$ a year with Allstate.


Re: Why insure an ATV/UTV [Re: bill oxner] #5558003 01/22/15 05:15 PM
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Most homeowner policies have very large deductibles now.

I insure my Ranger with Progressive for about $120/ year. The policy covers my trailer too, liability, medical, Collision and OTC. I was amazed at the amount of coverage for the price.

Check around when you buy insurance. My house, cars, RV and travel trailers are with State Farm for the past 25-30 years but they couldn't come close to Progressive's price on the Ranger.

Re: Why insure an ATV/UTV [Re: bill oxner] #5558209 01/22/15 07:07 PM
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I just looked and it cost me $133 to insure my Kubota 900 last year though Kubota's finance company. They required the insurance when I first bought it and financed it through them. I've kept it since then because the Kubota stays at the lease year round and it's really inexpensive compared to how much it would cost me to buy another one if anything happened to it.


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Re: Why insure an ATV/UTV [Re: bill oxner] #5558730 01/22/15 11:18 PM
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Mines with farm bureau


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Re: Why insure an ATV/UTV [Re: bill oxner] #5558806 01/22/15 11:58 PM
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Sounds like ATV insurance ain't a bad deal.
We had four kids roll a Ranger about a mile from camp, it was a long walk for the one kid that could walk. Busted up and cut up kids ain't a good thing. Everyone is okay, but it could have been bad.
I wonder if any leases require it?


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Re: Why insure an ATV/UTV [Re: NewJeep] #5559681 01/23/15 12:35 PM
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Originally Posted By: NewJeep
Where are you getting insurance so cheap? Best I can find is $600 a month


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